4591 Gregory Gerard Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 4591 Gregory Gerard Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,628 sqft · built 1986
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on Record
Last Sale	$271,300 (Feb 2021)
Tax Bill	$3,321 (2025)
Deeds & Mortgages	May 2022 Line of Credit Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A870001991`

Property Details

APN / Parcel Number

Primary APN	`A870001991`
Alternative APN	`3-0036-6066-00-0068.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,628 sqft Living Area
Gross Area	3,122 sqft
1st Floor Area	1,388 sqft
Basement Area	1,354 sqft
Finished Basement	240 sqft
Unfinished Basement	1,114 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Attached
Garage Area	380 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	72 sqft
Deck Area	Deck Area
Patio Area	370 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A870001991
Street Address	4591 GREGORY GERARD DR
City	SAINT CHARLES
State	MO
Zip	63304-3449
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MEADOWRIDGE HILLS LOT 68
Legal Subdivision	MEADOWRIDGE HILLS
Legal Lot Number	68
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	1
Census Block	1020
Census Tract	311122

Owner

Source: St. Charles County records, as of August 7, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	4591 GREGORY GERARD DR, SAINT CHARLES, MO 63304-3449
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 23, 2022	Deed of Trust, Mortgage · Line of Credit WEST COMMUNITY CU
Feb 17, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 9, 2020	Special Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 17, 2021 · Amount on Record
Deed Sale	Feb 17, 2021 · Amount on Record
Prior Sale	Apr 9, 2020 · Amount on Record
Deed Document Number	202114069
Prior Transfer Date	Feb 9, 2021
Prior Transfer Doc	0000014069
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	4591 GREGORY GERARD DR, SAINT CHARLES, MO 63304-3449
Transaction Type	Mortgage
Record Updated	Jun 6, 2022
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4591 GREGORY GERARD DR, SAINT CHARLES, MO 63304-3449

Mortgage

Document Number	0000028921
Date	May 23, 2022
Instrument	2022R-028921

Lender

Name	WEST COMMUNITY CU
Type	Credit Union
Address	O FALLON, MO 63368

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	May 1, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Feb 17, 2021
Property Address	4591 GREGORY GERARD DR, SAINT CHARLES, MO 63304-3449
Document Number	2021R014069
Map Reference	MB 24 PG 161
Instrument Date	Feb 9, 2021
Instrument	2021R-014069
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4591 GREGORY GERARD DR, SAINT CHARLES, MO 63304-3449

Mortgage

Document Number	2021R014070
Date	Feb 17, 2021
Instrument	2021R-014070

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

April 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 9, 2020
Property Address	4591 GREGORY GERARD DR, SAINT CHARLES, MO 63304-3449
Document Number	0072662148
Book / Page	7266 / 2148
Map Reference	MB 25 PG 161
Instrument Date	Apr 1, 2020
Instrument	20200409000220920
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12 CHARLOTTERIDGE CT, 12, SAINT CHARLES, MO 63304-3428

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4591 GREGORY GERARD DR, SAINT CHARLES, MO 63304-3449

Mortgage

Document Number	20200409000220930
Date	Apr 9, 2020
Instrument	20200409000220930

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Unified School District	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$55,900 (-)	$294,210 (-) Land $65,000 Building $229,210
2025	$3,321.00 (+8.28%)	$55,900 (+12.11%)	$294,210 (+12.11%) Land $65,000 Building $229,210
2024	$3,067.00
2023		$49,862
2022			$262,433 Land $65,000 Building $197,433

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective August 25, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	7 (1979–2015)
Claims Outside the SFHA	1 of 7
Most Recent Claim	Jun 2015 · rainfall accumulation
Claims by Event	Severe Storms & Flooding, Jun 1993 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people · EPA ID MO6010716
Water Source	Surface water
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 494 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Wisper ISP.

Nearby Properties on Gregory Gerard Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures